Himanshu Rai reports an SBI UPI payment failure of ₹41,075 made via Navi UPI for his friend’s college admission. Despite being debited, the payment has not been credited. Read full details and how Choice4Voice.com helps in such cases.
Complaint Summary Table : SBI UPI Payment Failure ₹41,075 Stuck in College Fee Payment | Himanshu Rai Complaint
| Detail | Information |
|---|---|
| Complainant Name | Himanshu Rai (on behalf of his friend) |
| Bank Involved | State Bank of India (SBI) |
| Transaction Type | UPI (via Navi App) |
| Transaction ID | 559957693252 |
| Amount | ₹41,075 |
| Date & Time | 21st August 2025, 4:37 PM |
| Beneficiary | Registrar DCRUST Admission (HDFC Bank UPI ID) |
| Issue | Payment debited but not credited |
| Impact | Delay in college admission process |
| Action Requested | Immediate trace and settlement of payment |
| Original Source | View Original LinkedIn Post |
Full Complaint Details
Himanshu Rai, a student at Indira Gandhi National Open University, has raised an urgent complaint on behalf of his friend regarding a failed UPI transaction with State Bank of India (SBI).
According to the complaint, a fee payment of ₹41,075 was made through Navi UPI linked to SBI account on 21st August 2025 at 4:37 PM. The amount was successfully debited, but the college (Registrar DCRUST Admission, HDFC Bank UPI ID) has not received the payment.
This unresolved issue is causing serious inconvenience in the college admission process. Despite providing the Transaction ID: 559957693252, the complainant has not received any resolution from SBI at the time of posting.
The complainant has requested SBI to urgently trace and settle the payment so that the admission process is not hampered.
Brand Involved: State Bank of India (SBI)
State Bank of India (SBI), the largest public sector bank in India, is a trusted banking partner for millions. However, repeated UPI failures, delayed settlements, and unresolved grievances are commonly reported by customers across social platforms.
In cases involving college admissions and fee payments, such failures can lead to serious consequences for students. This makes timely intervention and redressal extremely critical.
About the Complainant: Himanshu Rai
The complaint was publicly posted by Himanshu Rai on LinkedIn, highlighting the urgency of the matter. He has also provided the transaction details and a contact email (nitish64055@gmail.com) for official follow-up.
View Himanshu Rai’s Original LinkedIn Post
Choice4Voice.com – Supporting Consumers in Banking Disputes
At Choice4Voice.com, we amplify consumer complaints like Himanshu Rai’s to ensure they reach the right authorities and decision-makers.
Here’s how we help:
- Publishing verified complaints to gain Google visibility.
- Tagging and highlighting issues on LinkedIn, ensuring quick company response.
- Helping consumers escalate to banking ombudsman or RBI, if necessary.
👉 If you are facing a similar issue, submit your complaint directly here:
🔗 Submit Your Complaint to Choice4Voice.com
Consumer Q&A – SBI UPI Payment Failures
Q1: Why do UPI payments fail even after being debited from the account?
UPI transactions sometimes fail due to technical errors between the payer and payee banks. The money may remain in settlement and requires manual reconciliation.
Q2: How long does it take for a failed UPI transaction to be reversed in SBI?
Usually within T+1 to T+3 working days. However, delays beyond this should be escalated.
Q3: Who should I contact if my SBI UPI transaction is stuck?
You can contact:
- SBI customer care via official email.
- Raise a complaint in SBI Yono app or net banking portal.
- Approach the banking ombudsman if unresolved.
Q4: Can I escalate an SBI UPI failure to RBI?
Yes. If the issue is not resolved within 30 days, you can file a complaint with the RBI Ombudsman Scheme for Digital Transactions.
Q5: What documents are required to escalate a failed UPI transaction?
- UPI Transaction ID
- Date & time of transaction
- Screenshots of debit confirmation
- Beneficiary details
Q6: How can students avoid issues during college fee payments?
- Always make payments at least 3-4 days before deadlines.
- Prefer NEFT/RTGS for large payments instead of UPI.
- Keep proof of transaction for escalation.
Q7: Can a failed UPI payment block college admission?
Yes, in cases like this, where the college has not received payment confirmation, students may face delays or rejection until the issue is settled.
Q8: What is Navi UPI and is it reliable for large payments?
Navi UPI is a third-party UPI app. While safe, large payments (₹40,000+) sometimes face settlement issues. For critical payments, banks recommend NEFT/RTGS.
Q9: What is the maximum UPI transaction limit in SBI?
SBI allows up to ₹1 lakh per transaction per day, depending on the user’s account and app.
Q10: Can I get compensation for delayed UPI settlements?
RBI guidelines allow customers to claim compensation in case of undue delay caused by the bank’s negligence.
Q11: How do I lodge an official complaint with SBI?
- Email SBI customer care (official ID)
- Visit your branch with transaction details
- File a grievance through SBI’s complaint portal
Q12: How long can a UPI reversal take in extreme cases?
Though usually 3 days, in some disputes, it may take up to 90 days depending on inter-bank settlement.
Q13: Is it safe to use UPI for admission payments?
UPI is generally safe but risky for time-sensitive transactions. Alternatives like bank drafts or NEFT are more secure for college fees.
Q14: What is the SBI Ombudsman escalation path?
If unresolved in 30 days, you can escalate to the Banking Ombudsman under RBI’s complaint portal.
Q15: What happens if SBI fails to resolve a UPI issue?
You can:
- Escalate to RBI Ombudsman
- File a consumer court case for deficiency in service
Q16: Does SBI charge for failed UPI transactions?
No, failed transactions are not charged. But consumers often face delays in refunds.
Q17: Can multiple UPI apps cause payment failures?
Yes, sometimes conflicts between payer’s UPI app and beneficiary’s bank server cause delays.
Q18: How can I track my SBI UPI transaction status?
You can check in your UPI app, SBI net banking, or raise a ticket with SBI support.
Q19: Why do UPI payments fail during peak hours?
High transaction load sometimes causes network congestion, leading to failures.
Q20: How can Choice4Voice.com help me if my UPI payment fails?
Choice4Voice.com ensures your complaint gains public visibility, putting pressure on banks for faster resolution.
